ZIP 28630 Foreclosure, Tax-Lien & Distress Report

Caldwell County, North Carolina's ZIP 28630 registers 30/100 composite distress, which DLRadar reads as moderate. It additionally carries heavy environmental risk: FEMA disaster exposure (89/100), flood (NFIP) exposure (82/100), climate & FEMA risk (67/100). Structural exposure scores 67 and live distress 8 on the 0–100 scale. Its standout signals are structural risk (67/100), institutional ownership (66/100), construction/permit lag (48/100). On the quiet end sit mortgage stress (25/100).

Prices here sit in a peak phase: values rose 2.3% over the trailing year, and 24% higher over three years, at 19/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $65,713 — below the roughly $78,000 national figure. About 20,400 people live here, median age 46. The tenure split is 77% owner-occupied to 23% rented. Around 33% of renters are cost-burdened. The vacancy rate is 13.0% — elevated. Around 18% of adults hold a bachelor's degree or higher. DLRadar's demographic-stress index for the area reads 29/100. The typical home is worth about $202,400 (3.0× income, relatively affordable). 11.9% of residents fall below the poverty threshold. The ZIP holds roughly 9,115 housing units.

On the whole, 28630 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.

The 28630 read uses the identical scoring model applied coast to coast, which means its 30/100 score means exactly what it means anywhere else, and 28630 stays directly comparable to neighboring ZIPs and the rest of Caldwell County, North Carolina. Nothing here is interpolated — where a source is thin for 28630, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 30/100 for 28630 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For an operator, 28630 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.